Table 2.6 : Bank Group-Wise Selected Ratios of Scheduled Commercial Banks : 2008 and 2009 - ਆਰਬੀਆਈ - Reserve Bank of India
Table 2.6 : Bank Group-Wise Selected Ratios of Scheduled Commercial Banks : 2008 and 2009
(in per cent) |
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Ratios |
As on March 31 |
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State Bank |
Nation |
Foreign |
Other |
All |
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2008 |
2009 |
2008 |
2009 |
2008 |
2009 |
2008 |
2009 |
2008 |
2009 |
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
(9) |
(10) |
|
1. Cash-Deposit ratio |
9.65 |
7.36 |
9.22 |
7.13 |
11.51 |
7.31 |
10.56 |
7.81 |
9.73 |
7.32 |
2. Credit-Deposit ratio |
76.72 |
73.44 |
71.65 |
72.21 |
84.29 |
77.27 |
76.80 |
78.13 |
74.61 |
73.86 |
3. Investment-Deposit ratio |
34.09 |
35.51 |
31.91 |
31.11 |
51.74 |
60.89 |
41.27 |
41.62 |
35.46 |
35.67 |
4. (Credit+ Investment)-Deposit ratio |
110.81 |
108.96 |
103.55 |
103.32 |
136.03 |
138.16 |
118.07 |
119.75 |
110.07 |
109.53 |
5. Ratio of deposits to total liabilities |
76.55 |
78.66 |
83.54 |
84.69 |
52.50 |
47.88 |
71.80 |
71.67 |
76.74 |
77.52 |
6. Ratio of term deposits to total deposits |
58.03 |
61.45 |
67.01 |
70.15 |
55.30 |
58.27 |
67.17 |
67.26 |
64.27 |
66.85 |
7. Ratio of priority sector advances to total advances |
30.82 |
28.69 |
33.16 |
30.85 |
29.58 |
31.20 |
29.27 |
30.76 |
31.55 |
30.32 |
8. Ratio of term loan to total advances |
55.19 |
52.16 |
55.62 |
55.96 |
48.90 |
46.87 |
69.66 |
69.40 |
58.02 |
57.10 |
9. Ratio of secured advances to total advances |
76.74 |
80.73 |
79.96 |
80.52 |
45.56 |
49.88 |
79.22 |
78.89 |
76.80 |
78.57 |
10. Ratio of investments in non-approved securities to |
19.78 |
15.41 |
17.53 |
16.49 |
16.20 |
23.28 |
30.30 |
29.08 |
20.94 |
19.50 |
11. Ratio of interest income to total assets |
7.75 |
7.79 |
7.83 |
8.19 |
7.65 |
7.48 |
8.42 |
8.65 |
7.92 |
8.13 |
12. Ratio of net interest margin to total assets |
2.49 |
2.39 |
2.28 |
2.34 |
4.33 |
4.32 |
2.67 |
2.86 |
2.58 |
2.63 |
13. Ratio of non-interest income to total assets |
1.30 |
1.40 |
1.15 |
1.16 |
3.32 |
3.67 |
2.02 |
1.82 |
1.55 |
1.57 |
14. Ratio of intermediation cost to total assets |
1.87 |
1.75 |
1.63 |
1.56 |
3.24 |
3.03 |
2.40 |
2.21 |
1.99 |
1.87 |
15. Ratio of wage bills to intermediation cost |
60.58 |
61.39 |
61.90 |
62.44 |
40.38 |
39.71 |
35.10 |
39.15 |
51.70 |
53.39 |
16. Ratio of wage bills to total expense |
15.89 |
15.06 |
14.05 |
13.14 |
19.95 |
19.45 |
10.35 |
10.83 |
14.01 |
13.52 |
17. Ratio of wage bills to total income |
12.52 |
11.71 |
11.22 |
10.42 |
11.94 |
10.80 |
8.08 |
8.28 |
10.83 |
10.28 |
18. Ratio of burden to total assets |
0.57 |
0.35 |
0.48 |
0.40 |
-0.07 |
-0.64 |
0.39 |
0.39 |
0.43 |
0.30 |
19. Ratio of burden to interest income |
7.35 |
4.50 |
6.09 |
4.88 |
-0.96 |
-8.55 |
4.59 |
4.50 |
5.48 |
3.66 |
20. Ratio of operating profits to total assets |
1.92 |
2.04 |
1.80 |
1.94 |
4.40 |
4.95 |
2.28 |
2.47 |
2.15 |
2.33 |
21. Return on assets |
0.97 |
1.02 |
1.01 |
1.03 |
2.09 |
1.98 |
1.13 |
1.13 |
1.12 |
1.13 |
22. Return on equity |
17.21 |
17.74 |
17.09 |
18.07 |
16.05 |
13.75 |
13.43 |
11.36 |
15.98 |
15.44 |
23. Cost of deposits |
5.91 |
6.17 |
5.99 |
6.31 |
4.20 |
4.58 |
6.47 |
6.60 |
5.97 |
6.24 |
24. Cost of borrowings |
5.72 |
4.57 |
2.65 |
3.63 |
4.75 |
4.27 |
3.55 |
3.91 |
3.97 |
4.04 |
25. Cost of funds |
5.90 |
6.07 |
5.82 |
6.18 |
4.33 |
4.51 |
6.13 |
6.29 |
5.80 |
6.06 |
26. Return on advances |
9.55 |
9.89 |
9.51 |
10.19 |
10.93 |
12.60 |
11.01 |
11.41 |
9.92 |
10.50 |
27. Return on investments |
7.11 |
6.77 |
7.32 |
7.06 |
8.24 |
7.63 |
7.22 |
6.93 |
7.33 |
7.01 |
28. Return on advances adjusted to cost of funds |
3.65 |
3.82 |
3.69 |
4.01 |
6.60 |
8.10 |
4.88 |
5.12 |
4.12 |
4.44 |
29. Return on investments adjusted to cost of funds |
1.22 |
0.70 |
1.50 |
0.88 |
3.91 |
3.12 |
1.09 |
0.64 |
1.52 |
0.95 |
Note : $ Includes IDBI Bank Ltd. |
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Source : Annual accounts of banks of respective years |